Debt Relief and Consolidation Loans

Secure Loan Consolidation is a comprehensive online resource for various professional debt services and products.

Consolidation Programs

Secure Loan Consolidation is one of the internet’s premier resources for consumers looking for debt solutions. Whether your past due on your credit card payments or still need to repay your student loans, find out how consolidating your debt can help make your life easier and save you thousands. 

Welcome to Student Loan Info

Student loan consolidation is simply a combination of the various loans students or their parents take out during the educational years and creating one loan from a single lender. A balance is then created so that all the other lenders can be paid off in a manner that eases the burden off the debtor.

Federal Loan Consolidation

Make sure consolidating your student loans is right for you.

Federal student loan consolidation allows you to combine one or more existing student loans into a single new loan. If you're having trouble making your monthly student loan payments, then consolidation might be the right option for you.

Loan Consolidation

A consolidation loan allows you to combine any or all of your outstanding federal student loans into a single new loan. With a Consolidation loan—available through both the Federal Family Education Loan Program and the Federal Direct Loan Program—comes new terms and conditions. Before you decide to consolidate your loans, take some time to see if you would benefit.

Federal student loan consolidation

Thank you for your interest in Sallie Mae, the nation’s leading provider of saving- and paying-for-college programs. Severe legislative cuts made by Congress made federal student loan consolidation uneconomical. This, combined with the credit market deterioration, has caused us to suspend participation in the federal consolidation loan program.
Sallie Mae is committed to the federal student loan program and offers a variety of federal student loans and repayment options. If you would like to learn more about the various repayment options that can help you manage your monthly payment amount, please call a repayment specialist at (866) 457-6918.

What is the Consolidation Process?

When a borrower consolidates loans in the Direct Consolidation Loan Program, the U.S. Department of Education (Department) pays off the original Federal education loans and originates a new loan for the total amount of the loan(s) consolidated. Here's how that works:

Step 1: Application Review

We review the borrower's application and enter it into our system. If there is missing or incorrect information, we attempt to contact the borrower directly and/or send a letter identifying the needed information. If a borrower applied for the loan by phone or through the web, the Loan Consolidation Department sends a promissory note to be signed and returned by the borrower. The borrower has 14 days to provide the information to us or the application is cancelled.

How Does Consolidation Affect My School's Default Ratio?

Federal Consolidation Loans and Federal Direct Consolidation Loans are not counted directly in the cohort default rate calculation. However, the status of a consolidation loan may affect how the loan(s) that was paid off by the consolidation loan is included in the cohort default rate calculation."

If all of a borrower's underlying loans were included in your school's cohort default rate calculation before they were consolidated, the status of the consolidation loan has no effect on your subsequent cohort default rate calculations. However, if an underlying loan was not included in your cohort default rate calculation before it was consolidated, the consolidation loan's default may cause that underlying loan to be counted as defaulted when it is included in your cohort default rate.

Please see the Cohort Default Rate Guide for complete details and information on consolidation and cohort default rates.

Federal Student Loan Consolidation

Federal student loan consolidation is a fixed-rate refinancing program that combines all of your existing federal student loans into one new loan. Consolidation is a great tool for managing your finances - providing immediate payment relief and long term benefits. With our fast and convenient eSignature, your application will be complete in just a few minutes.

Private Student Loan Consolidation

Private student loan consolidation is a great way to significantly lower your monthly loan payments by combining all your private student loans into one manageable loan. Refinancing your private student loans will reduce the stress of multiple payments and allow you to budget more effectively while lowering your interest rate.

Get Started Now